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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 3.6 (122 reviews)

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3.60

Based on 122 reviews, last reviewed 17th Apr 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

17%

11%

Latest highest rating:

5

Excellent company Realy easy to apply i received my decision very quickly. There customer service team are helpful Reviewed on: 17th April 2026

Latest lowest rating:

2

Inflexible I found them inflexible and unhelpful dealing with issues. If you have financial difficulties there is no flexibility Reviewed on: 16th April 2026

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About this product

Barclaycard Initial Credit Card reviews can help you to find out about the pros and cons of the Initial Credit Card credit card. What kind of features do Barclaycard customers like? Find out more about the Barclaycard Initial Credit Card by reading our trusted Smart Money People reviews. You can also write your own Barclaycard Initial Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Barclaycard Initial Credit Card reviews (122)

GOOD IF POOR CREDIT

Accepted straight away for this card dispite not having a good credit history. Have found it to be accepted everywhere and I got a bonus of £20 after having it for 3 months and making payments regularly Reviewed on: 28th March 2016

Easy to get in, annoying to get out

Had no problem being accepted for the card. Put myself in a bit of debt, eventually paid it off and tried to cancel. The woman on the phone would not take no for an answer. She kept offering me various packages and deals and telling me I need it "in case of emergency". I repeatedly told her there is not a single offer she could give me that would make me stay and I wanted to cancel. She then offered me one more package after completely ignoring what I said and eventually cancelled it. I didn't have to jump through any hoops to get it in the first place, they practically threw it at me! Reviewed on: 12th February 2016

Easy to get in, annoying to get out

I had a barclaycard for a couple of years, initially got it for a balance transfer on an existing card with another bank. Unfortunately they didn't give me the full amount so while the amount on my barclaycard was minimal and interest free for 6 months, I was still paying a lot of interest on my other one so couldn't pay back as much as I wanted. The online banking was simple to use and very user friendly when it comes to paying off extra or setting up a direct debit. I couldn't fault that at all. Once the interest free period came around, they started increasing my limit every 6 months but I couldn't get the benefit of it as the 0% deal had expired and they refused to put it up during the initial 12 months. I eventually got a bank loan with another bank to consolidate my debts and trying to cancel this one was a massive pain. I couldn't do it online or in a branch, I had to do it over the phone. I was connected to a person completely devoid of any emotion. I said I wanted to cancel and then she started offering me all kinds of deals, I politely explained that the credit card had caused me nothing but financial difficulties and I wanted it completely cancelled. She kept throwing offers at me and ignoring the fact that I repeatedly said "there is absolutely nothing you can offer me to make me stay. Please cancel the card/account". After 5 minutes of her clearly reading from a script, she eventually cancelled. Whereas when I cancelled my halifax card, before she even offered me anything I just said "Please cancel it, it's caused me nothing but grief and I don't want another credit card again" and she laughed and said "no problem, i'll cancel that for you right away". Overall not a bad card but would have been nice for a bigger balance on the 0% deal and someone a bit nicer on the phone Reviewed on: 24th December 2015

good and reliable

Have had a barclaycard for many years now. Never had any problems with it and it has been accepted everytime I use it Reviewed on: 31st August 2015

good reliable card

have had no problems using this card. On one occasion when a refund I was expecting did not go through the staff were helful sorting out Reviewed on: 29th August 2015

no problems

Have never had any problems with this card which I have now had for 5 years Reviewed on: 28th August 2015

they were understanding in sorting charges out

they helped me refund loads of charges which were plonked on my account when i couldn't make payments due logging in problems very understanding if you have the time to speak to them. Reviewed on: 7th May 2015

extremely good and great customer service

Accepted everywhere. Easy to monitor on expenses. Has nice mobile apps dwnloadable. Very good and friendly customer service Reviewed on: 29th April 2015

Disappointed

I was rather disappointed with the Barclay NFL rewards card. First, in order to get rewards you had to reach such a high point requirement which I found difficult to achieve. Then when interest rates forced my account into an over the limit status, Barclay cancelled my card. I have always paid on time. Never been late. I am going to continue to pay the monthly bill until the card is paid off, but if Barclay decides to reinstate card I will have to think twice before doing business with them again. Reviewed on: 17th April 2015

Decent

Barclard is great but their payments are erratic. Sometimes they come out twice! Reviewed on: 24th March 2015

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Barclaycard: Initial Credit Card reviews

200% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Review Barclaycard: Initial Credit Card now

Barclaycard Initial Credit Card reviews (122)

GOOD IF POOR CREDIT

Easy to get in, annoying to get out

Easy to get in, annoying to get out

good and reliable

good reliable card

no problems

they were understanding in sorting charges out

extremely good and great customer service

Disappointed

Decent

Do you have a different Barclaycard product?

Want to see more from Barclaycard?

Platinum Visa Business Credit Card

Business Cashback Credit Card

IHG Reward Club

Join Smart Money People

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